Unlock the value in your home.
Cash in some of the value you have built up in your home.

Your home is yours for life.
Borrowers retain full ownership of the home. The loan is typically only repaid on death.

Use the funds for whatever you need.
Spend your funds on home improvements, medical care, a new car, a holiday, gifts for grand children or whatever else you want. The choice is entirely yours.

Make no regular repayments.
The loan does not have to be repaid until the borrower passes away, moves into permanent long-term care or moves permanently from the home for any other reason. However, you have the option to repay the loan whenever you choose, without penalty, if you want to.

Our Loan Repayment Pledge
You will never have to repay more than the net proceeds from the sale of your property, even in the event that your loan balance is higher than these net proceeds.